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All Journal Nurani: Jurnal Kajian Syariah dan Masyarakat Muamalah Jurnal Kepastian Hukum dan Keadilan Ta'zir: Jurnal Hukum Pidana
Lubis, Ramiah
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Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Muamalah

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PENERAPAN ASAS-ASAS HUKUM EKONOMI SYARIAH DALAM PERJANJIAN KREDIT BAKU PEMBIAYAAN UMKM PADA DINAS KOPERASI DAN UKM KOTA PALEMBANG Anugraini, Indah; Jafri, Jafri; Lubis, Ramiah
Muamalah Vol 6 No 1 (2020): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

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Abstract

ABSTRACT In general, the credit agreement which used in the UMKM financing is a standard agreement which clauses have been determined by the creditor, so that consumers as debtors are only have a choice between accepting or rejecting the contents of the standard agreement either in part or whole which affect the debtor for not receiving the UMKM financing credit. As for the problems in this study are: 1) How is the implementation of the standard UMKM financing credit agreement at Dinas Koperasi and UKM of Palembang city? 2) How to apply the principles of syariah economic law in the standard UMKM financing credit agreement at Dinas Koperasi and UKM of Palembang city?. This research is classified into the type of field research. The type of data that is used primary data and secondary data that is consisting of primary legal materials. Data collection techniques used are through interviews, documents and literature study. The collected data then would be analyzed into descriptively qualitative. This research result in this thesis conclude that in implementing the standard UMKM financing credit agreements set by Dinas Koperasi and UKM of Palembang city with standard operating procedures for strengthening capital loans will make it easier for consumers to apply for working capital loans for small and micro enterprises. Meanwhile, the contents of the UMKM financing standard credit agreement set by the Palembang BPR bank in collaboration with Dinas Koperasi and UKM of Palembang city still have not fully implemented the principles of syariah economic law, namely the principles of freedom (Al- Hurriyah) and principle of justice (Al-Adalah). Keywords: Agreement, Standard Credit, UMKM Financing, Principles of Syariah Economic Law ABSTRAK Pada umumnya, perjanjian kredit yang digunakan dalam pembiayaan UMKM merupakan perjanjian baku yang kalusul-klausulnya telah ditentukan oleh pihak kreditur, sehingga konsumen sebagai debitur hanya mempunyai pilihan antara menerima atau menolak isi dari perjanjian baku tersebut baik sebagian maupun keseluruhan yang mengakibatkan debitur tidak akan menerima kredit pembiayaan UMKM tersebut. Adapun permasalahan dalam penelitian ini adalah:1) Bagaimana pelaksanaan perjanjian kredit baku pembiayaan UMKM di Dinas Koperasi dan UKM Kota Palembang? 2) Bagaimana penerapan asas-asas Hukum Ekonomi Syariah dalam perjanjian kredit baku pembiayaan UMKM di Dinas Koperasi dan UKM Kota Palembang?. Penelitian ini digolongkan kepada jenis penelitian lapangan (field research). Jenis data yang digunakan adalah data primer dan data sekunder yang terdiri dari bahan hukum primer, bahan hukum sekunder dan bahan hukum tersier. Teknik pengumpulan data yang digunakan yaitu melalui wawancara, dokumen dan studi kepustakaan. Data yang terkumpul kemudian dianalisis secara deskriptif kualitatif. Hasil penelitian ini menyimpulkan bahwa dalam pelaksanaan perjanjian kredit baku pembiayaan UMKM harus memenuhi persyaratan yang telah ditentukan oleh Dinas Koperasi dan UKM Kota Palembang dengan standar operasional prosedur pinjaman penguatan modal akan memudahkan konsumen dalam mengajukan pinjaman modal kerja bagi usaha kecil dan mikro. Sedangkan isi dari perjanjian kredit baku pembiayaan UMKM yang telah ditetapkan oleh Bank BPR Palembang yang bekerja sama dengan Dinas Koperasi dan UKM Kota Palembang masih belum menerapkan asas-asas Hukum Ekonomi Syariah sepenuhnya, yaitu asas kebebasan (Al-Hurriyah) dan asas keadilan (Al-Adalah).
TINJAUAN TERHADAP PUTUSAN HAKIM DI PENGADILAN AGAMA MUARA ENIM KELAS 1B DALAM PERKARA WANPRESTASI AKAD PEMBIAYAAN MURABAHAH OLEH PENGGADAI KEBUN TERHADAP PT. BNI SYARIAH KANTOR CABANG PRABUMULIH Ramadhania, Ine Chintya; Kencana, Ulya; Lubis, Ramiah
Muamalah Vol 5 No 2 (2019): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

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This thesis is entitled Judge Decision in the Muara Enim Religious Court in the case of a default of murabahah financing contract by the pawnbroker of the BNI Syariah Branch Office Prabumulih with the background of the problem in the murabahah financing contract especially the problems that arise in the contract, one of which is default. Like what often happens in people's lives now. Most people choose the way to borrow money from existing banks so that the existence of Sharia Banking with its range of products is expected to accommodate the interests of the community (customers) who want the banking system to use Sharia principles because Indonesian people are interested in Banking, Financial, Commercial activities and Investment in accordance with the Shariah rules. The problem raised in this thesis is to find out whether the legal issues between BNI Syariah Banking in the form of default and to know the legal reasons of the Estuary Enim Religious Court judges in deciding default cases by garden pledge against BNI Syariah in the perspective of sharia economic law. The method used in this study uses a type of qualitative data, the source of data taken from this study is secondary and primary data. Secondary data relating to research subjects obtained from books, internet and legal dictionaries related to this research. The primary data is data taken directly from the research site. Based on the results of the discussion it can be concluded that the default according to the murabahah financing agreement in this case is as stated in the provisions of Article 14 Chapter Promise Injury Events (defaults) arising from the customer not fulfilling the obligations set out in this contract. While the judge's decision is a case in the field of Sharia Banking, with the main object being used as a legal source in adjudicating this case is a murabahah financing contrac.
TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP JAMINAN PADA INVESTASI DIGITAL CYRONIUM COIN Pratama, Zenda; Hidayat, Fatah; Lubis, Ramiah
Muamalah Vol 6 No 2 (2020): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

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This thesis is entitled Review of Sharia Economic Law of Guarantee on Cyronium Coin Investment. Against the background of the problem, namely the effect of physical gold coin collateral on Cyronium Coin digital investment which can ensure the security of these investment activities. The formulation of the problem, namely: What is the guarantee on Cyronium Coin digital investment? and How does Sharia Economic Law review the guarantee on Cyronium Coin digital investment ?. This type of research is library research, the primary data of which is obtained from a review of literature studies and from the official website of Cyronium Coin. The data obtained were analyzed qualitatively, namely by producing descriptive data. which applies to reality as the primary material associated with the theories in secondary data. Based on data analysis, deductive conclusions can be drawn in accordance with the formulation of the problem. The results of the study concluded: First, the guarantee on Cyronium Coin digital investment is based on the procedure, Cyronium coins have a selling value according to the price of 20 grams of gold. Its function is to maintain prices so that CYRO tokens can protect investors' funds. Investors who purchase CYRO tokens can choose two options, including choosing to have assets in the form of CYRO tokens and choosing to have assets in the form of Cyronium physical coins where the physical coins are used as collateral for investment. Second, the Sharia Economic Law Review of Guarantee on Cyronium Coin Digital Investment shows that in this case, the consent granted in the implementation of the agreement between the investor and Cyronium is marked by the approval of the investor who has registered and fulfills the terms and conditions that have been made by Cyronium. Then the guarantor is Cyronium, the recipient of the guarantee is the investors, the goods that are used as the object of collateral are Cyronium's physical coins. In its implementation, it has fulfilled the pillars and requirements of kafalah / dhaman as previously explained and this guarantee does not conflict with Islamic law. Keywords: Guarantee, Digital Investment, Cyronium Coin.
TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP KENAIKAN IURAN BPJS KESEHATAN DI MASA PANDEMI COVID 19 BERDASARKAN PERATURAN PRESIDEN NOMOR 64 TENTANG JAMINAN KESEHATAN Boby, Muhammad; Yazwardi, Yazwardi; Lubis, Ramiah
Muamalah Vol 7 No 1 (2021): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

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ABSTRACT This research is entitled A Gradual Sharia Economic Law Review RegulatingTariff Increase for BPJS Health Participants Based on Presidential Regulation Number 64of 2020 concerning Health Insurance, there are several reasons for the increase in BPJScontributions. First, one of the main causes of the deficit in the National Health Insurance(JKN) program that has occurred since the beginning of its implementation is the amountof contributions that are underpriced and adverse for independent participants. So that thedeficit increases from year to year. Second, many independent participants only registerwhen they are sick and require expensive medical costs. After recovering, participants stoppaying dues or are not disciplined when paying dues. There are two things that become thefocal point of this research, namely, first, how to increase the rates for BPJS Kesehatanparticipants based on Presidential Regulation Number 64 of 2020 concerning HealthInsurance, secondly, how is the Sharia Economic Law Review of the Increase in Tariffs forBPJS Kesehatan Participants Based on Presidential Regulation Number 64 of 2020 AboutHealth Insurance. The methodology used in this research through anapproach is empirical shown toget things that are direct and library researchlibrary research () to get things that aretheoretical. The data sources used consisted of two, namely primary data and secondarydata. The results of this study concluded that (1) the increase in BPJS Healthcontributions during the Covid 19 pandemic which reached 100% was deemedincompatible with the increase in the UMP every year of only 8.5%, this increase was alsonot in accordance with the principles of syaraih economics and was against Pancasila. 5"Social justice for all Indonesian people" it can be concluded that this increase incontributions is not in accordance with Sharia Economic Law Key words: BPJS Health, Sharia Economic Law, Presidential Regulation Number 64of 2020 concerning Health Insurance
POLA PENGUPAHAN BURUH TANI KEBUN KACANG TANAH DI PEDESAAN sari, umi martika; afriansyah, syafran; lubis, ramiah
Al-muamalah Vol 9 No 1 (2023): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/muamalah.v9i1.18106

Abstract

ABSTRAK Salah satunya pola pengupahan buruh tani kacang tanah di Desa Sungai Rotan Kecamatan Rantau Panjang Kabupaten Ogan Ilir, yaitu bekerja sebagai buruh penanam kacang tanah yang panen setiap tiga bulan sekali. Mulai bekerja dari pukul 07:00-12.00 WIB upah yang didapat dari pemilik kebun dengan memperoleh 3 Kg kacang tanah, maka upahnya Rp.20.000 setengah hari. Sedangkan pekerjaan lainnya seperti buruh tani sawah upahnya Rp.35.000, buruh bangunan upahnya Rp.100.000. Dilihat dari perbedaan pembayaran upah dari berbagai jenis pekerjaan yang ada di Desa Sungai rotan ini, upah buruh tani kacang tanah ini terlalu kecil untuk kebutuhan sehari-hari. Dengan rumusan masalah dalam skripsi ini yaitu: (1). Bagaimanakah Pola Pengupahan Buruh Tani Kacang Tanah di Desa Sungai rotan Kecamatan Rantau Panjang Kabupaten Ogan Ilir, (2). Bagaimanakah Relevansi Hukum Ekonomi Syariah Terhadap Pola Pengupahan Buruh Tani Kacang Tanah di Desa Sungai rotan Kecamatan Rantau Panjang Kabupaten Ogan Ilir. Metode penelitian ini adalah penelitian lapangan (Field Research), dan metode jenis data yang digunakan yaitu kualitatif. Populasi dalam penelitian ini yaitu pola pengupahan buruh tani kebun kacang tanah di Desa Sungai rotan dan sample yang digunakan berjumlah 8 orang. Teknik pengumpulan data observasi, wawancara dan dokumentasi. Data yang dikumpulkan kemudian di analisis secara deskriptif kualitatif. Dari hasil penelitian dapat disimpulkan bahwa: (1). Pola pengupahan buruh tani di Desa Sungai rotan Kecamatan Rantau Panjang Kabuapten Ogan Ilir, berdasarkan perjanjian yang disepakti oleh pemilik kebun dan buruh tani tidak dilihat dari perjanjian secara tertulis melainkan secara lisan, dan sistem pengupahannya secara harian, mulai dari jam 07:00-12:00 WIB dengan upah Rp.20.000. Pembayaran upah diberikan diakhir pekan dengan memperhitungkan beberapa hari kerja yang dilakukan oleh buruh tani. (2). Relevansi hukum ekonomi syariah bahwa pola pengupahan yang di praktekkan oleh buruh tani di Desa Sungai rotan Kecamatan rantau panjang kabupaten ogan ilir, tidak menyalahi prinsip-prinsip hukum islam. Dan juga upah yang diberikan sesuai dengan kesepakatan yang dibuat dan juga sesuai dengan adat kebiasaan yang berlaku pada masyarakat setempat. Kata Kunci: Hukum Ekonomi Syari’ah, Upah Buruh Tani.
PENENTUAN SYARAT PADA PERTENGAHAN PERJANJIAN DALAM JUAL BELI KREDIT PERALATAN PERTANIAN Yitndra, M Saydinal; Lubis, Ramiah; Fauzia, Fauzia
Al-muamalah Vol 10 No 1 (2024): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/muamalah.v10i1.23839

Abstract

Buying and selling as a means of getting goods easily. Buying and selling credit is a sale and purchase transaction carried out by the community using the payment in installments (installments). Such as buying and selling credit carried out by villagers Payo Bay, Banyuasin district. The concept of buying and selling on credit is the element of time, element of risk, element of submission, element of trust, and element of approval. Buy and sell This credit helps the residents of Teluk Payo village. They can buy agricultural equipment by paying it off because they don't have enough money if buying in cash. By buying equipment for farming. This certainly makes it easier for them to farm and the results will be more Good.In writing a thesis using field research (field research) because this research was carried out in the field, namely about the practice of buying and selling credit agricultural equipment in Teluk Payo Village, Banyuasin Regency. As for analyzing the author's data using primary and secondary data methods, ie the method of analysis describes a situation or area of a particular population directly factual. Conclusions that can be drawn from the writing of this thesis is the result of the study, it can be concluded that in the practice of buying and selling credit this agricultural equipment there is a discrepancy that occurs between the parties involved, namely the additional of the amount of money that was not agreed upon. Which one This discrepancy occurs because of the failure of these farmers in farming. That application of intermediate conditions in the financing of agricultural equipment in the village Payo Bay, Banyuasin Regency is not yet fully following the principles of sharia economic law. This can be seen from several conditions that still violate sharia principles, such as adding a certain amount of money to maximize profit.
PERLINDUNGAN HUKUM BAGI PENJUAL DALAM PEMBATALAN SEPIHAK PADA SISTEM PRE ORDER DI APLIKASI LAZADA Pratama. E, M. Arya; Fauziah; Lubis, Ramiah
Al-muamalah Vol 10 No 2 (2024): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/muamalah.v10i2.26276

Abstract

Penelitian ini berjudul Perlindungan  Hukum Bagi Penjual dalam pembatalan Sepihak Pada  Sistem  Pre Order Di Aplikasi  Lazada  Dalam Persepektif  Hukum Ekonomi Syariah.Banyak nya  konsumen melakukan pembatalan  secara sepihak sehingga berdampak bagi pelaku usaha yang mengalami kerugian. Berdasarkan hal ini dengan rumusan masalah dalam penelitian ini  bagaimana perlindungan hukum bagi penjual pada aplikasi Lazada dan  Bagaimana perlindungan hukum bagi penjual dalam pembatalan sepihak pada sistem pre order di aplikasi Lazada menurut perspektif hukum ekonomi syariah.Metode Penelitian ini menggunakan Jenis penelitian yang digunakan adalah penelitian kualitatif. Dalam penelitian ini peneliti menggunakan dua sumber data  yaitu sumber data primer dan skunder , penelitian ini menggunakan teknik pengumpulan data dengan wawancara dan dokumentasi dan penilitian ini menggunakan analisis data deskriptif. Dari hasil penelitian penulis menyimpulkan bahwa Perlindungan hukum bagi penjual dalam pembatalan sepihak pada sistem pre-order di aplikasi Lazada menurut hukum ekonomi syariah mencakup beberapa aspek penting yang menekankan prinsip keadilan, transparansi, dan tidak adanya unsur gharar (ketidakpastian) dan maysir (spekulasi). Dalam hal pembatalan sepihak, penjual dilindungi dengan adanya akad (kontrak) yang jelas dan rinci, yang mencakup hak dan kewajiban kedua belah pihak. Lazada sebagai platform wajib memastikan bahwa kontrak ini dipatuhi dan memberikan mekanisme penyelesaian sengketa yang adil jika terjadi perselisihan. Selain itu, adanya asuransi dan jaminan kualitas produk juga menjadi bagian dari perlindungan, mengurangi risiko yang ditanggung oleh penjual. Secara keseluruhan, perlindungan hukum bagi penjual di Lazada dalam konteks ekonomi syariah difokuskan pada kepastian hukum, keadilan dalam transaksi, dan perlindungan dari praktik-praktik yang merugikan.
Co-Authors Afriansyah, Syafran Anugraini, Indah Boby, Muhammad Fatah Hidayat Fauzia Fauzia Fauziah Jafri, Jafri Kencana, Ulya Nandita, Riski Pratama, Zenda Pratama. E, M. Arya Qonita, Ra Ramadhania, Ine Chintya Safithri, Hijriyana Safitri, Hijriyana sari, umi martika Sendika, Sendika Yazwardi Yazwardi, Yazwardi Yitndra, M Saydinal